We all know that when you open any account of any kind they all want to do a credit check aka credit inquiry aka credit pull.  I never knew that there were two different ways to check credit history; a soft pull and a hard pull.  A soft pull does no damage to your credit a hard pull however drops your overall FICO score for 6 months. 

Silly that just a credit inquiry would drop your score.  If you have the credit to buy something you’ve got it.  So you just have to space out when you buy big purchases like a car and a house?  That isn’t very economically stimulating.  Maybe we should tell George W.?